Payment Institution (EEA) Regulated by the Dutch Central Bank & UK Small EMI – For Sale

Payment Institution (EEA) Regulated by the Dutch Central Bank & UK Small EMI – For Sale

Executive Overview

A fully operational EEA Payment Institution, regulated by the Dutch Central Bank and passportable across the European Economic Area, combined with a UK Small EMI license (upgradeable to full EMI within ~4 months).

The company provides full-stack payment, onboarding, banking, and FX infrastructure purpose-built for vertical SaaS platforms and embedded finance providers.

• EEA Payment Institution (passportable)

• UK Small EMI (upgradeable to full EMI within ~4 months)

• Fully in-house built payment, ledger, and account systems

• 17 FTEs with deep payments expertise

  
  

A rare opportunity to acquire a regulated EU + UK payments platform with embedded technology and institutional-grade infrastructure.

Core Capabilities

Payment Acceptance

• 150+ pay-in currencies

• Card processing (incl. Apple Pay & Google Pay)

• SEPA Instant, SEPA Direct Debit, BACS

• Open Banking integrations

• Unified API across markets

• Omnichannel (online & in-store)

Merchant Onboarding

• API-first, embeddable onboarding

• Adaptive KYC/KYB flows

• White-label & localized onboarding

• AML risk management framework

• Proprietary credit risk engine

• Risk-based phased onboarding

Banking-as-a-Service (BaaS)

• Local virtual IBANs (NL, DE, FR, IT, CH, UK)

• Merchant & platform balance accounts

• Escrow & safeguarded funds structure

• Multi-party split payments

• Real-time double-entry ledger

• Programmable money movement

FX & Payout Infrastructure

• Local settlement rails: EUR, GBP, CHF

• 18 card settlement currencies

• Configurable payout timing

• Tier-1 liquidity relationships

• Multi-bank safeguarding framework

Regulatory & Compliance Strength

• Licensed EEA Payment Institution (Dutch Central Bank)

• UK Small EMI (upgrade path to full EMI)

• PCI-DSS compliant

• Multi-region funds segregation (UK & EEA)

• Tier-1 safeguarding banking relationships

A strategic regulatory moat enabling scalable EU and UK embedded finance operations.

Price: EUR 1 million plus capital

📩 Contact for Full Deal Sheets & NDA

Valters Gencs – M&A Advisor📧 info@gencs.eu

💬 WhatsApp / Telegram: +371 29265441🌐 vgfintechadvisors.com | fintechadvisors.co.uk